Anonymous

Marcos, age 41, lives in Guayaquil. He is a single man and has no children. He started with his business when he learned how to stamp shirts. He sold them to the people who went to the same church that he did. Little by little, his sales grew, and he started to sell the shirts that he stamped to people in other areas and institutions.

He currently continues with his business of stamping shirts. However, one of his difficulties is that his illness is PVVS (patient living with HIV/AIDS). The odor from the paint when stamping the shirts weakens him, since his illness causes his defenses to go down. He works from 12:00 p.m. until 6:00 p.m.

Marcos has a great desire to continue with his business. He wants to use the loan to buy shirts to stamp, paints, and stamping blocks.

His words were:
"I hope to continue having God's help and blessing to be able to continue moving forward in spite of my health, and in this way have a formal workshop and give work to my friends and colleagues who are in the same situation as I am. I know that if I can continue moving forward - and one always must believe in a tomorrow - that there is hope to be able to enjoy one more day with my family."

Additional Information

More information about this loan

This loan is for a Kiva borrower living with HIV/AIDS. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.

Due to potential safety risks facing HIV/AIDS positive borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

About Banco D-MIRO

Banco D-MIRO is a microfinance institution that serves the most vulnerable sectors of Ecuador’s economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.